sometimes it feels like they’re just looking for a reason to slow things down
That’s exactly how it felt for me last year. I had a small freelance gig on the side, and the underwriter wanted every single invoice and bank statement—even though it was barely a blip compared to my main job. I get being thorough, but at some point it just feels like nitpicking. Makes you wonder if they actually want people to buy homes or just jump through hoops. Dallas seems especially tough right now, too.
Makes you wonder if they actually want people to buy homes or just jump through hoops. Dallas seems especially tough right now, too.
Yeah, that’s been my experience lately too. I’m actually in the middle of refinancing, and you’d think after owning the place for years it’d be a little smoother. Nope. They wanted documentation on a Venmo payment I got from a friend for splitting dinner—like, seriously? It’s not like I’m running a secret side business out of my kitchen. I get that they have to check every box, but it does start to feel like they’re just looking for reasons to drag things out.
Dallas is definitely not making it easy either. I remember when I bought my first house here, the process was annoying but at least somewhat predictable. Now, it feels like every week there’s some new “required” document or explanation. The kicker is, half the time you send what they ask for and then a different person comes back asking for the same thing again...or something even more random.
I get wanting to avoid fraud and all that, but sometimes it’s just overkill. Maybe it’s just the market being so hot that lenders are extra cautious, but man, it gets old fast. I’ve started keeping a folder with every possible financial doc just in case—bank statements, pay stubs, even screenshots of Zelle transfers. Feels like over-preparing for a pop quiz.
Not sure if this is just a Dallas thing or if it’s happening everywhere, but yeah, it definitely takes some patience (and maybe a little stubbornness) to get through it these days.
Honestly, the level of scrutiny has gotten wild lately. I’ve seen clients get flagged for the most random deposits—like a birthday check from grandma. It’s not just Dallas, but the hot market here definitely makes lenders extra jumpy. Keeping that “everything folder” is smart, but if you ever get stuck, sometimes a quick call to the underwriter can clear up weird requests faster than endless emails. Not fun, but at least you’re not alone in this maze.
That’s wild about the birthday check—I had something similar happen with a Venmo transfer from my sister. It was literally just splitting dinner, but the lender wanted a whole explanation and screenshots. I get that they’re trying to be thorough, but sometimes it feels like overkill, especially when you’re already stressed about everything else.
I’ve been keeping every random receipt and note just in case, but it’s hard to know what’ll actually matter. Has anyone had luck pushing back on weird requests, or is it just easier to give them whatever they want? I’m worried about missing something and slowing down the process even more.
- Totally get where you’re coming from.
- I’ve tried pushing back on a couple of weird requests, but honestly, it just made things drag out longer.
- It’s annoying, but I started just sending whatever they asked for—even if it felt ridiculous—just to keep things moving.
- I keep a folder on my phone now with screenshots and receipts, just in case.
- It feels like overkill, but I’d rather be over-prepared than risk a delay.
- The process is stressful enough without second-guessing what they’ll want next... hang in there, you’re not alone.
